What materials do I need to bring to handle the housing provident fund booth in Suzhou Park?

1. To buy a first-hand house, you need to provide: an application form for installment repayment of housing accumulation fund in Suzhou Industrial Park in triplicate, ID cards of both parties, marriage certificate, purchase invoice, purchase contract, loan contract and proof of housing repayment (bank seal, valid period 1 month).

If the application for amortization of the previous house is handled in the center, but the termination is not handled, the settlement certificate, real estate license and land certificate of the previous house loan (if it has been sold, the certificate of ownership change shall be provided), and the original 1 copy of the above materials shall be provided.

2. To buy a second-hand house, you need to provide: an application form for installment repayment of housing accumulation fund in Suzhou Industrial Park in triplicate, ID cards of both parties, marriage certificate, deed tax paid invoice, purchase invoice, stock house sales contract, loan contract and proof of housing repayment (bank seal, validity period 1 month).

If the application for amortization of the previous house has not been terminated in the center, it is also necessary to provide the settlement certificate of the previous house loan and the real estate license, land certificate or real estate license and land certificate (if it has been sold, provide the certificate of ownership change), and provide the original and photocopy of the above materials.

3. To apply for this housing provident fund loan or participate in amortization, you only need to provide: an application form for amortization of housing provident fund purchase in Suzhou Industrial Park in triplicate, an ID card, a loan contract, and a proof of housing repayment (the validity period is 1 month, and there is no need to provide the housing provident fund loan of our center). If the last house applies for amortization in the center and is not terminated,

It is required to provide the previous settlement certificate of housing loan, real estate license, land certificate or real estate license, land certificate (other ownership certificates have been cancelled) (if sold, provide ownership change certificate), and provide the above originals and copies. If the spouse's name is the spouse's name, it is also necessary to provide the original and photocopy of both parties' ID cards and marriage certificates.

Four. If the immediate family members of the buyer extract the same household registration book, they need to provide another copy: the household registration book, the ID cards of the extractor and the buyer, and the original and copy of the above materials.

Verb (abbreviation of verb) Note: The above materials are only used in the first application, and subsequent withdrawals are based on my ID card and proof of repayment of housing loan (bank seal) (validity period 1 month). If the spouse's name is the spouse's name (or the name of the immediate family member of the same household registration book), the original and photocopy of both parties' ID cards and marriage certificates (or the same household registration book) shall be provided.

Extended data:

I. Handling process

1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.

(Note: Not all provident fund centres provide the above-mentioned loans. Please consult the local housing provident fund management institution first. )

Second, the amount.

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of individual housing provident fund loans in Guangzhou is 500,000 yuan, and that in Beijing is 800,000 yuan. If it is rated as 3A, it can reach 800,000 * (1+30%) = 1.04 million, and the loan for 2A can reach 920,000.

Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price;

Housing provident fund loan amount formula:

Sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (longest loanable term).

If the deposit ratio between husband and wife is inconsistent, the actual deposit ratio shall be determined according to the higher ratio.

Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse.

When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).

Reference source: Baidu Encyclopedia-Housing Provident Fund Loan